It turns out that the economic level of China has gradually improved. According to common sense, China's savings rate should be increased and there should be no debt problem. We should know that all walks of life are developing constantly and people have more and more employment opportunities.
So why is there a debt problem, mainly from two aspects, one is the social environment, and the other is personal factors.
Social environment. Nowadays, borrowing money has become a very easy and simple thing. In previous times, borrowing money was generally for relatives and friends. There are many different channels to borrow money now, not only bank loans and credit cards, but also some financial products and some credit lending platforms.
It can be said that it is varied, which is equivalent to opening the floodgate of borrowing money and lowering the threshold. This is an era when only credit loans can be made.
Self-problem. With the continuous development of society, today's society has become a consumer society, with more and more consumption and entertainment, which also means more and more expenses. Many people began to lose their correct values and consumption views.
Some people are addicted to shopping, and some people begin to lose their original judgment because of vanity and other problems. So I began to live in debt, I began to be in debt, and then I went further and further on this road.
Therefore, in the contemporary era, we should have a correct three views. Only in this way can we move forward without being confused and going astray.
Borrowing money naturally requires repayment, but some loans are illegal. For those who are legal, the state protects them, but for those who are illegal, the state does not support them. Since 202 1, these nine kinds of "arrears" need not be paid back, and the debtors are blessed.
1, beheaded. Actually, it's easy to understand. Let's give a simple example. For example, the lender borrowed 20,000 yuan from the borrower, and both parties agreed on interest. But in fact, the borrower only has 6.5438+0.8 million yuan, and 2,000 yuan represents interest. Then this 2000 is beheading, unprotected.
2. usury. People are very familiar with this kind of loan. Normal private lending has only one or two points of interest, but some usury has reached several points or even a dime. In the past, some people specialized in usury for violent collection, but now China has cracked down on such loans. Annual interest rates over 24% will not be supported by law.
No folk actor will borrow money. In other words, those minors and some unconscious mental patients are not protected by law.
4. Illegal loans. The review of the loan court is also very serious. If it is illegal loans, such as gambling, drug abuse, fraud and so on. These are illegal in themselves and are naturally not protected by law.
5. Uninformed loans. It refers to borrowing money without the knowledge of the parties, which may be due to information leakage or other reasons. This kind does not need repayment, but it needs to provide corresponding evidence.
6. Unknown loan. For the loan of unknown origin, there is no transfer record and no information such as interest and purpose, then this loan can also be refused to repay.
7. Pre-marital debt. Nowadays, both pre-marital property and pre-marital debt belong to individuals, so if one of the two parties has pre-marital debt, the other party can refuse to return it.
8. Illegal online loans. Some lending platforms also have deep routines and high interest costs. For these illegal online lending platforms, repayment can be refused.
9. Borrow stolen information. Now the network is very developed, but there are some criticisms. If you signed a loan contract because your information was stolen, but you didn't receive the money, you can also refuse to repay.
Since ancient times, there has been a saying that "it is only natural to pay back debts." Indeed, if we borrow money, we should return it. But for those illegal and irregular loans, we have the right to protect our legitimate rights and interests and refuse to repay them.